Comparing auto insurance rates in Pampa can be a lot of work since selecting the best Pampa car insurance agent for your needs is not as easy as just randomly choosing from the yellow pages. Consumers need a friendly agent, and also want to find cheap rates.
With so many auto insurance companies to choose from, it can be impossible to pick the right insurer.
How to compare Pampa auto insurance rates
Educated insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing rates online is you may find better rates but also keep your business local.
After filling out this quick form, your coverage information is immediately sent to companies in Pampa who will give you bids for your business. You never need to leave your computer since price quotes are sent immediately to your email address. How cool is that?!
Choosing an auto insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the agent and/or agency licensed to do business in Texas?
- If you have an accident, will your rates go up?
- Do the companies they represent have a solid financial rating?
- Which company do they place the most coverage with?
- Did they already check your driving record and credit reports?
- How are claims handled?
- Are claims handled at the agent’s location?
Choose an insurance agent wisely
When finding a reputable insurance agent or broker, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Pampa are classified as either independent or captive. Both insure your vehicles, but it’s worth learning the difference between them since it can impact buying decisions.
Captive Insurance Agents
Captive agents can only write with one company like AAA, Allstate and State Farm. They are unable to provide prices from multiple companies so they have no alternatives for high prices. They are usually quite knowledgeable on their company’s products which can be an advantage. Consumers often buy insurance from these agents partially due to the prominence of the brand and solid financial strength.
Listed below is a short list of captive agents in Pampa that can give you price quote information.
- Farmers Insurance Group – 321 N Somerville St – Pampa, TX 79065 – (806) 665-4041
- Allstate Insurance – 222 N Cuyler St – Pampa, TX 79065 – (806) 665-5356
- Farm Bureau Insurance – 500 W Kingsmill Ave – Pampa, TX 79065 – (806) 665-8451
Independent Agencies or Brokers
Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from.Many can place coverage with smaller regional carriers which may provide better rates.
Listed below are independent insurance agents in Pampa who can help you get price quote information.
- Allison Agency – 623 W Foster Ave – Pampa, TX 79065 – (806) 665-6815
- Robertson Benefits and Insurance – 1224 N Hobart St – Pampa, TX 79065 – (806) 669-1540
- Insurance Unlimited – 619 N Hobart St – Pampa, TX 79065 – (806) 665-6709
To view a complete directory of licensed insurance agents in Pampa, visit this site.
After getting good answers for all questions you ask and locked in a price quote, most likely you have located a car insurance agent that is a good match to service your policy.
Aren’t online-only companies cheaper?
Licensed agents are perfect for certain consumers, but Texas drivers can also buy from online companies direct. Even companies who employ agents also let you get a quote and buy online, so keep that in mind if you don’t want to take the time to contact agents.
If you’re anxious about not having an insurance agent’s advice when buying car insurance direct, don’t be too concerned. Companies provide toll-free numbers to help you decide which coverages are appropriate. You can also use live help and 24/7 access to make it easier to purchase.
When shopping for low rates, the only way to find out whether online companies or local agents have lower rates is to get rates from both and compare them. You may actually get a different price from the exact same provider when they compare quotes from both.
Do customers save by switching to an online company? The answer is complex because there are a lot of things that can increase policy rates. Some people will tell you that buying online reduces premiums because there is no agent. For the majority of companies, however, promoting brand recognition is pricey so the lack of a commission may be a wash.
A tidy conclusion
Consumers who switch companies do it for a variety of reasons including denial of a claim, high prices, questionable increases in premium or even policy cancellation. It doesn’t matter why you want to switch finding the right auto insurance provider can be easier than you think.
When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to discover later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price.
Even more information is available at the Texas Department of Insurance website. Visitors are able to report car insurance fraud, find a variety of consumer forms, find disaster information, and view a list of available companies.